So, you are at the point where you have decided to stay out of the market and all you really want to do is save what you have for later. The problem is, you haven’t found a way to save money for longer than a year or so, without feeling the effects of inflation. A simple look at the inflation rates reveal that you would have to get an interest rate of somewhere around 2% just to break even! With 5 year CD rates at 1.5%, you realize that you would be paying the bank half a percent to keep your money from you! If you were an irresponsible spender, that might make sense, but you are serious about saving. Now, am I the only one who thinks this is crazy? Why are more people not upset about this?